FANNIE MAE CONVENTIONAL PRODUCTS

30-Year Fixed Rate 20-Year Fixed Rate 15-Year Fixed Rate CONFORMING 30 YEAR FIXED CONFORMING 20 YEAR FIXED CONFORMING 15 YEAR FIXED 4.000 97.328 97.284 97.240 97.193 3.750 97.322 97.263 97.206 97.159 3.125 97.149 97.103 97.056 97.013 4.125 97.982 97.938 97.894 97.847 3.875 97.941 97.882 97.825 97.778 3.250 97.873 97.810 97.747 97.683 4.250 98.779 98.728 98.676 98.621 4.000 98.597 98.539 98.482 98.435 3.375 98.423 98.360 98.298 98.234 4.375 99.410 99.359 99.307 99.252 4.125 99.122 99.063 99.006 98.959 3.500 98.926 98.862 98.800 98.736 4.500 100.192 100.141 100.089 100.034 4.250 99.915 99.849 99.784 99.730 3.625 99.427 99.364 99.302 99.238 4.625 100.881 100.830 100.778 100.724 4.375 100.585 100.519 100.454 100.400 3.750 99.945 99.882 99.819 99.755 4.750 101.434 101.383 101.331 101.277 4.500 101.186 101.120 101.055 101.001 3.875 100.335 100.272 100.209 100.145 4.875 102.069 102.017 101.966 101.911 4.625 101.691 101.625 101.561 101.506 3.990 100.479 100.423 100.368 100.317 4.990 102.308 102.243 102.177 102.108 4.750 102.226 102.160 102.095 102.041 4.000 100.492 100.436 100.382 100.332 5.000 102.538 102.472 102.406 102.335 4.875 102.730 102.664 102.600 102.545 4.125 100.958 100.903 100.849 100.799 5.125 103.224 103.158 103.091 103.021 5.000 103.111 103.030 102.951 102.881 4.250 101.342 101.287 101.232 101.182 5.250 103.711 103.645 103.579 103.508 5.125 103.628 103.547 103.468 103.398 4.375 101.586 101.531 101.476 101.426 5.375 104.131 104.065 103.999 103.928 5.250 103.946 103.866 103.786 103.716 4.500 102.079 102.023 101.969 101.919 5.500 104.511 104.445 104.379 104.308 5.375 104.316 104.236 104.157 104.086 4.625 102.604 102.548 102.494 102.444 5.625 105.008 104.942 104.876 104.805 5.500 104.642 104.561 104.482 104.412 4.750 102.777 102.722 102.667 102.617 5.750 105.438 105.372 105.305 105.235 5.625 104.845 104.765 104.685 104.615 4.875 102.965 102.910 102.855 102.805 5.875 105.748 105.682 105.615 105.545 4.990 103.338 103.269 103.200 103.137 5.990 105.847 105.767 105.688 105.617 5.000 103.370 103.300 103.230 103.165 6.000 105.870 105.788 105.708 105.637 10-Year Fixed Rate 30- Year Fixed Rate High Balance 15-Yr Fixed Rate High Balance CONFORMING 10 YEAR FIXED HIGH BALANCE 30 YEAR FIXED HIGH BALANCE 15 YEAR FIXED 3.125 96.988 96.913 96.835 96.790 3.875 95.798 95.740 95.683 95.636 3.125 95.900 95.840 95.777 95.733 3.250 98.034 97.942 97.848 97.782 3.990 96.262 96.203 96.146 96.099 3.250 96.608 96.530 96.452 96.387 3.375 98.379 98.287 98.193 98.127 4.000 96.384 96.325 96.268 96.221 3.375 97.269 97.191 97.113 97.048 3.500 98.796 98.703 98.610 98.544 4.125 97.133 97.075 97.018 96.971 3.500 97.794 97.716 97.638 97.573 3.625 99.146 99.054 98.960 98.894 4.250 97.928 97.870 97.813 97.766 3.625 98.212 98.134 98.056 97.991 3.750 100.005 99.921 99.835 99.783 4.375 98.481 98.415 98.351 98.296 3.750 98.570 98.493 98.414 98.350 3.875 100.248 100.164 100.078 100.026 4.500 99.111 99.045 98.981 98.926 3.875 98.813 98.735 98.657 98.592 4.000 100.576 100.492 100.406 100.354 4.625 99.497 99.431 99.366 99.312 3.990 99.092 99.022 98.951 98.899 4.125 100.915 100.831 100.745 100.693 4.750 100.084 100.018 99.953 99.899 4.000 99.117 99.047 98.977 98.926 4.250 101.489 101.404 101.318 101.266 4.875 100.718 100.652 100.588 100.533 4.125 99.519 99.449 99.379 99.328 4.375 101.691 101.606 101.520 101.468 4.990 101.401 101.335 101.271 101.216 4.250 99.726 99.657 99.586 99.535 4.500 101.961 101.876 101.791 101.738 5.000 101.432 101.366 101.301 101.247 4.375 99.785 99.716 99.645 99.594 4.625 102.388 102.304 102.218 102.166 5.125 101.517 101.436 101.357 101.287 4.500 100.121 100.051 99.981 99.930 4.750 102.601 102.516 102.430 102.378 5.250 101.529 101.449 101.370 101.299 4.625 100.532 100.462 100.392 100.341 4.875 102.804 102.719 102.633 102.581 5.375 102.190 102.109 102.030 101.960 4.750 100.641 100.571 100.500 100.449 5.000 103.052 102.953 102.851 102.798 5.500 102.625 102.545 102.466 102.395 4.875 100.759 100.689 100.619 100.568 5.625 102.667 102.586 102.507 102.436 4.990 100.916 100.846 100.776 100.725 5.000 100.930 100.860 100.790 100.739 FANNIE MAE CONVENTIONAL PRODUCTS 5/1 LIBOR ARM Plan 2737, Nonconvertible, 5/2/5 7/1 LIBOR ARM Plan 2727, Nonconvertible 10/1 LIBOR ARM Plan 2729, Nonconvertible CONFORMING 5/1 ARM CONFORMING 7/1 ARM CONFORMING 10/1 ARM 4.000 100.389 100.321 100.254 100.184 4.250 97.121 97.059 96.999 96.932 4.500 97.563 97.500 97.440 97.374 4.125 100.725 100.658 100.591 100.521 4.375 97.495 97.433 97.372 97.306 4.625 97.910 97.848 97.787 97.721 4.250 101.114 101.047 100.980 100.910 4.500 97.849 97.786 97.726 97.660 4.750 98.215 98.153 98.093 98.026 4.375 101.443 101.375 101.308 101.238 4.625 98.191 98.129 98.068 98.002 4.500 101.756 101.688 101.621 101.551 5/1 LIBOR ARM Plan 2737, Margin 1.75, Nonconvertible, 5/2/5 7/1 LIBOR ARM Plan 2727, Margin 1.75, Nonconvertible 10/1 LIBOR ARM Plan 2729, Margin 1.75, Nonconvertible HIGH BALANCE 5/1 ARM HIGH BALANCE 7/1 ARM HIGH BALANCE 10/1 ARM 4.000 98.764 98.696 98.629 98.559 4.250 95.246 95.184 95.124 95.057 4.500 95.688 95.625 95.565 95.499 4.125 99.100 99.033 98.966 98.896 4.375 95.620 95.558 95.497 95.431 4.625 96.035 95.973 95.912 95.846 4.250 99.239 99.172 99.105 99.035 4.500 95.974 95.911 95.851 95.785 4.750 96.340 96.278 96.218 96.151 4.375 99.568 99.500 99.433 99.363 4.625 96.316 96.254 96.193 96.127 4.500 99.881 99.813 99.746 99.676 DU REFI PLUS 30 YEAR FIXED LTV 105.01-125% DU REFI PLUS 30 YEAR FIXED > 125% LTV RATE 15 DAY 30 DAY 45 DAY 60 DAY RATE 15 DAY 30 DAY 45 DAY 60 DAY 4.000 96.828 96.784 96.740 96.693 4.000 96.578 96.534 96.490 96.443 4.125 97.732 97.688 97.644 97.597 4.125 97.607 97.563 97.519 97.472 4.250 98.529 98.478 98.426 98.371 4.250 98.529 98.478 98.426 98.371 4.375 99.160 99.109 99.057 99.002 4.375 99.160 99.109 99.057 99.002 4.500 99.942 99.891 99.839 99.784 4.500 99.942 99.891 99.839 99.784 4.625 100.631 100.580 100.528 100.474 4.625 100.631 100.580 100.528 100.474 4.750 101.184 101.133 101.081 101.027 4.750 101.184 101.133 101.081 101.027 4.875 101.819 101.767 101.716 101.661 4.875 101.819 101.767 101.716 101.661 4.990 102.058 101.993 101.927 101.858 4.990 102.058 101.993 101.927 101.858 5.000 102.288 102.222 102.156 102.085 5.000 102.288 102.222 102.156 102.085 5.125 102.974 102.908 102.841 102.771 5.125 102.974 102.908 102.841 102.771 5.250 103.461 103.395 103.329 103.258 5.250 103.461 103.395 103.329 103.258 Rate sheets are intended for use by mortgage professionals only. 1 of 8

30-Year Fixed Rate Conventional 20-Year Fixed Rate Conventional 15-Year Fixed Rate Conventional CONFORMING 30 YEAR FIXED CONFORMING 20 YEAR FIXED CONFORMING 15 YEAR FIXED 4.000 97.248 97.204 97.172 97.116 3.750 96.556 96.491 96.443 96.338 3.250 97.527 97.467 97.456 97.374 4.125 97.884 97.846 97.797 97.755 3.875 97.384 97.317 97.270 97.162 3.375 98.151 98.087 98.059 98.003 4.250 98.516 98.479 98.431 98.391 4.000 98.083 98.013 97.965 97.860 3.500 98.985 98.922 98.893 98.836 4.375 99.223 99.188 99.139 99.101 4.125 98.894 98.824 98.776 98.671 3.625 99.537 99.472 99.444 99.387 4.500 100.099 100.068 100.019 99.988 4.250 99.711 99.641 99.593 99.489 3.750 99.998 99.934 99.906 99.849 4.625 100.821 100.777 100.712 100.657 4.375 100.281 100.210 100.163 100.058 3.875 100.410 100.347 100.319 100.262 4.750 101.429 101.389 101.323 101.273 4.500 100.970 100.900 100.852 100.747 3.990 100.610 100.572 100.528 100.463 4.875 102.074 102.031 101.965 101.920 4.625 101.683 101.608 101.544 101.426 4.000 100.628 100.592 100.546 100.481 4.990 102.307 102.271 102.206 102.158 4.750 102.173 102.097 102.032 101.915 4.125 101.176 101.142 101.096 101.032 5.000 102.538 102.502 102.437 102.389 4.875 102.538 102.461 102.396 102.278 4.250 101.466 101.431 101.385 101.322 5.125 103.403 103.352 103.269 103.202 5.000 102.990 102.912 102.847 102.732 4.375 101.818 101.786 101.740 101.671 5.250 103.707 103.657 103.574 103.512 5.125 103.570 103.455 103.373 103.242 4.500 102.178 102.167 102.103 102.029 5.375 104.020 103.970 103.888 103.829 5.250 103.871 103.756 103.673 103.544 4.625 102.701 102.690 102.626 102.552 5.500 104.375 104.327 104.244 104.186 5.375 103.969 103.854 103.772 103.645 4.750 102.852 102.841 102.777 102.703 5.625 104.846 104.788 104.688 104.622 5.500 104.270 104.155 104.072 103.947 4.875 103.048 103.037 102.973 102.899 5.750 105.397 105.343 105.242 105.181 5.625 104.568 104.510 104.410 104.344 4.990 103.262 103.216 103.135 103.055 5.875 105.638 105.586 105.485 105.428 5.750 104.926 104.869 104.769 104.704 5.000 103.280 103.231 103.149 103.068 5.990 105.856 105.805 105.705 105.654 5.125 103.684 103.636 103.553 103.472 6.000 105.876 105.825 105.725 105.675 5.250 104.114 104.068 103.985 103.904 10-Year Fixed Rate Conventional 30-Year Fixed Rate Conventional 15-Year Fixed Rate Conventional CONFORMING 10 YEAR FIXED SUPER CONFORMING 30 YEAR FIXED SUPER CONFORMING 15 YEAR FIXED 3.125 96.898 96.838 96.827 96.747 4.000 96.435 96.391 96.359 96.303 3.250 97.121 97.061 97.050 96.968 3.250 97.277 97.217 97.206 97.124 4.125 96.977 96.939 96.890 96.848 3.375 97.589 97.525 97.497 97.441 3.375 97.901 97.837 97.809 97.753 4.250 97.609 97.572 97.524 97.484 3.500 98.422 98.359 98.330 98.273 3.500 98.735 98.672 98.643 98.586 4.375 98.317 98.282 98.233 98.195 3.625 98.974 98.909 98.881 98.824 3.625 99.287 99.222 99.194 99.137 4.500 99.248 99.217 99.168 99.137 3.750 99.436 99.372 99.344 99.287 3.750 99.798 99.734 99.706 99.649 4.625 100.183 100.139 100.074 100.019 3.875 99.548 99.485 99.457 99.400 3.875 100.210 100.147 100.119 100.062 4.750 100.791 100.751 100.685 100.635 3.990 99.553 99.514 99.470 99.405 4.000 100.428 100.392 100.346 100.281 4.875 101.436 101.393 101.327 101.282 4.000 99.570 99.534 99.488 99.423 4.125 100.976 100.942 100.896 100.832 4.990 101.670 101.633 101.568 101.520 4.125 100.118 100.084 100.038 99.974 4.250 101.266 101.231 101.185 101.122 5.000 101.900 101.864 101.799 101.751 4.250 100.408 100.373 100.327 100.264 4.375 101.618 101.586 101.540 101.471 5.125 102.264 102.213 102.130 102.063 4.375 100.511 100.479 100.433 100.364 4.500 101.978 101.967 101.903 101.829 5.250 102.567 102.517 102.434 102.372 4.500 100.521 100.510 100.446 100.372 4.625 102.501 102.490 102.426 102.352 5.375 102.881 102.831 102.749 102.690 4.625 101.045 101.034 100.970 100.896 4.750 102.652 102.641 102.577 102.503 5.500 103.236 103.188 103.105 103.047 4.750 101.195 101.184 101.120 101.046 5.625 103.293 103.235 103.135 103.069 4.875 101.392 101.381 101.317 101.243 5.750 103.844 103.790 103.689 103.628 4.990 101.105 101.059 100.979 100.898 5.875 104.085 104.033 103.932 103.875 5.000 101.124 101.075 100.993 100.912 5.990 104.303 104.252 104.152 104.101 5.125 101.527 101.479 101.396 101.315 6.000 104.323 104.272 104.172 104.122 5.250 101.958 101.912 101.829 101.748 5/1 1-Year LIBOR ARM 2/2/5 or 6 7/1 1-Year LIBOR ARM 5/2/5 10/1 1-Year LIBOR ARM 5/2/5 FREDDIE MAC CONVENTIONAL PRODUCTS Rate sheets are intended for use by mortgage professionals only. 2 of 8

CREDIT SCORE 740+ 720-739 700-719 680-699 660-679 640-659 620-639 < 620 FICO / LTV ADJUSTMENTS FOR LOANS WITH A TERM GREATER THAN 15 YEARS <=60 60.01-70.00 70.01-75.00 75.01-80.00 80.01-85.00 85.01-90.00 90.01-95.00 95.01-97 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) CONVENTIONAL PRODUCTS - LLPA CREDIT SCORE 740+ 720-739 700-719 680-699 660-679 640-659 620-639 <620 CASH-OUT REFI ADJUSTMENTS (ALL LOAN TERMS) <=60 60.01-70.00 70.01-75.00 75.01-80.00 80.01-85.00 85.01-90.00 90.01-95.00 95.01-97 (0.375) (0.625) (0.625) (0.875) N/A N/A N/A N/A (0.375) (1.000) (1.000) (1.125) N/A N/A N/A N/A (0.375) (1.000) (1.000) (1.125) N/A N/A N/A N/A (0.375) (1.125) (1.125) (1.750) N/A N/A N/A N/A (0.625) (1.125) (1.125) (1.875) N/A N/A N/A N/A (0.625) (1.625) (1.625) (2.625) N/A N/A N/A N/A (0.625) (1.625) (1.625) (3.125) N/A N/A N/A N/A (1.625) (2.625) (2.625) (3.125) N/A N/A N/A N/A PHL ADJUSTMENTS STANDARD ADJUSTMENTS SUBORDINATE FINANCED PRICE ADJUSTMENTS Long Term Rate Locks LOAN AMOUNT ADJUSTMENTS NOO <= 75% (2.125) FICO (add to 60 day price) LTV CLTV $100,000 - $124,999 (0.125) NOO 75.01-80% (3.375) <720 >=720 Rate Adj. Price Adj. $75,000 - $99,999 (0.250) NOO 80.01-85% (4.125) ALL ALL (0.375) (0.375) 75 Day Lock N/A (0.125) $60,000 - $74,999 (0.875) High Balance & Super Conf C/O (1.000) (Sub Fin LLPAs below also apply) 90 Day Lock N/A (0.500) $60,000 min loan amount High Balance & Super Conf R/T <=65.00% 80.01% - 95.00% (0.500) (0.250) 120 Day Lock N/A (1.000) (0.250) OTHER ADJUSTMENTS or Purchase 65.01% - 75.00% 80.01% - 95.00% (0.750) (0.500) *180 Day Lock 0.125% (1.000) No Escrow (Non CA) (0.250) 20 Yr High Balance & Super (1.000) (0.750) *270 Day Lock 0.375% (1.000) (1.250) 75.01% - 95.00% 90.01% - 95.00% No Escrow (CA) (0.125) Conf (to 20 Yr Price) 75.01% - 90.00% 76.01% - 90.00% (1.000) (0.750) *360 Day Lock 0.500% (1.000) TX Property 0.250 Condo (attached) >75% (0.750) <=95.00% 95.01% - 97.00% (1.500) (1.500) *A 1.00% upfront fee is due w/in 5 days of lock. ARM > 90% LTV (0.250) Home Ready Cumulative LLPA Caps - If the sum of all non PHL LLPAs exceeds the cap shown FHLMC 2nd Home >85% LTV (0.250) below, the excess will be waived. PHL adj. are in addition to the capped adj. *Fixed Rates Only 2 Unit - All LTV (1.000) 3-4 Unit <= 80% LTV (1.000) LTV/FICO LLPA Cap MANDATORY COMMITMENT MAX PRICE PAID AFTER ALL 3-4 Unit 80.01-85% LTV (1.500) LTV > 80% and FICO >= 680 0.000 IMPROVE PRICE BY 0.125 ADJUSTMENTS IS 106.000 3-4 Unit > 85% LTV (2.000) All other LTV and FICO combinations 1.500 DU Refi PLUS PRODUCTS - LLPA CREDIT SCORE 740+ 720-739 700-719 680-699 660-679 640-659 620-639 FICO / LTV ADJUSTMENTS FOR LOANS WITH A TERM GREATER THAN 15 YEARS <=60 60.01-70.00 70.01-75.00 75.01-80.00 80.01-85.00 85.01-90.00 90.01-95.00 95.01-97 97.01-105 >105 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.500) (0.750) (0.750) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) 0.000 (0.500) (0.750) (0.750) (0.750) (0.750) (0.750) (0.500) (0.500) (0.500) 0.000 (1.000) (1.500) (1.750) (1.750) (1.750) (1.750) (1.250) (1.250) (1.250) (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (1.750) (1.750) (1.750) (0.500) (1.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.500) (2.500) (2.500) PHL ADJUSTMENTS STANDARD ADJUSTMENTS SUBORDINATE FINANCED PRICE ADJUSTMENTS Long Term Rate Locks LOAN AMOUNT ADJUSTMENTS NOO <= 75% (2.125) FICO (add to 60 day price) LTV CLTV $100,000 - $124,999 (0.125) NOO 75.01-80% (3.375) <720 >=720 Rate Adj. Price Adj. $75,000 - $99,999 (0.250) NOO >80% (4.125) ALL ALL (0.375) (0.375) 75 Day Lock N/A (0.125) $60,000 - $74,999 (0.875) LTV 95.01% - 97% (0.500) (Sub Fin LLPAs below also apply) 90 Day Lock N/A (0.500) $60,000 min loan amount LTV 97.01% - 105% (1.000) 65.01% - 75.00% 90.01% - 95.00% (0.500) (0.250) 120 Day Lock N/A (1.000) OTHER ADJUSTMENTS LTV >105% (1.000) 75.01% - 95.00% 90.01% - 95.00% (0.500) (0.250) *180 Day Lock 0.125% (1.000) No Escrow (Non CA) (0.250) 20yr High Bal (to 20yr price) (1.250) 75.01% - 90.00% 76.01% - 90.00% (0.250) 0.000 *270 Day Lock 0.375% (1.000) No Escrow (CA) (0.125) 2 Unit - All LTV (1.000) ALL >95.00% (1.500) (1.500) *360 Day Lock 0.500% (1.000) TX Property 0.250 3-4 Unit < 80% LTV (1.000) DU Refi Plus Max LLPA Cap *A 1.00% upfront fee is due w/in 5 days of lock. 3-4 Unit 80.01-85% LTV (1.500) MAX PRICE PAID AFTER ALL Principal Residences with LTV Ratios > 80.00% All Other Refi Plus 3-4 Unit > 85% LTV (2.000) ADJUSTMENTS IS 106.000 Condo (attached) >75% (0.750) Term LTV > 80.00% Term LTV 105.00% LTV > 105.00% MANDATORY COMMITMENT IMPROVE PRICE BY 0.125 (0.750) > 25 Years up (2.000) (2.000) to 30 Years > 20 Years 20 Years 0.000 <= 25 Years (2.000) (1.500) DU Refi Plus LLPA Cap Does Not Include Loan Amount Adj., Region OR Escrow Adj, If Applicable Rate sheets are intended for use by mortgage professionals only. 3 of 8

GOVERNMENT PRODUCTS FHA 30 Year Fixed FHA 15 Year Fixed FHA 30 Year Fixed FHA/VA 30 YEAR FIXED FHA/VA 15 YEAR FIXED USDA 30 YEAR FIXED 3.750 99.016 98.961 98.906 98.852 2.875 96.493 96.453 96.414 96.375 3.750 99.016 98.961 98.906 98.852 3.875 99.415 99.360 99.305 99.251 3.000 97.171 97.132 97.093 97.054 3.875 99.415 99.360 99.305 99.251 3.990 99.796 99.741 99.686 99.631 3.125 97.762 97.723 97.684 97.645 3.990 99.796 99.741 99.686 99.631 4.000 100.026 99.971 99.916 99.861 3.250 98.311 98.233 98.155 98.077 4.000 100.026 99.971 99.916 99.861 4.125 100.376 100.321 100.266 100.212 3.375 98.895 98.817 98.739 98.661 4.125 100.376 100.321 100.266 100.212 4.250 100.961 100.899 100.836 100.774 3.500 99.474 99.396 99.318 99.240 4.250 100.961 100.899 100.836 100.774 4.375 101.529 101.467 101.404 101.342 3.625 100.104 100.026 99.948 99.869 4.375 101.529 101.467 101.404 101.342 4.500 102.056 101.994 101.931 101.869 3.750 100.649 100.586 100.524 100.461 4.500 102.056 101.994 101.931 101.869 4.625 102.526 102.464 102.401 102.339 3.875 101.253 101.190 101.128 101.065 4.625 102.526 102.464 102.401 102.339 4.750 103.063 102.977 102.891 102.805 4.000 101.426 101.364 101.301 101.239 4.750 103.063 102.977 102.891 102.805 4.875 103.604 103.518 103.432 103.347 4.125 101.578 101.516 101.453 101.391 4.875 103.604 103.518 103.432 103.347 4.990 104.141 104.055 103.969 103.883 4.250 102.319 102.248 102.178 102.108 4.990 104.141 104.055 103.969 103.883 5.000 104.301 104.215 104.129 104.043 4.375 102.961 102.891 102.820 102.750 5.000 104.301 104.215 104.129 104.043 5.125 104.683 104.597 104.511 104.425 4.500 103.433 103.362 103.292 103.222 5.125 104.683 104.597 104.511 104.425 5.250 104.952 104.882 104.812 104.741 4.625 103.867 103.797 103.726 103.656 5.250 104.952 104.882 104.812 104.741 5.375 105.219 105.149 105.079 105.009 5.375 105.219 105.149 105.079 105.009 5.500 105.609 105.538 105.468 105.398 5.500 105.609 105.538 105.468 105.398 5.625 105.921 105.851 105.781 105.710 5.625 105.921 105.851 105.781 105.710 5.750 106.356 106.309 106.262 106.216 Rates shown here may exceed the maximum applicable USDA rate FHA 30 Year Fixed FHA 15 Year Fixed FHA 30 Year Fixed FHA/VA 30 YEAR HIGH BALANCE FHA/VA 15 YEAR HIGH BALANCE VA 95.01% - 100% CASH OUT 3.750 97.877 97.822 97.767 97.713 2.875 95.024 94.985 94.946 94.907 3.750 97.016 96.961 96.906 96.852 3.875 98.276 98.221 98.167 98.112 3.000 95.703 95.664 95.624 95.585 3.875 97.415 97.360 97.305 97.251 3.990 98.657 98.602 98.547 98.493 3.125 96.293 96.254 96.215 96.176 3.990 97.796 97.741 97.686 97.631 4.000 98.827 98.772 98.717 98.663 3.250 96.842 96.764 96.686 96.608 4.000 98.026 97.971 97.916 97.861 4.125 99.057 99.002 98.948 98.893 3.375 97.427 97.348 97.270 97.192 4.125 98.376 98.321 98.266 98.212 4.250 99.618 99.555 99.493 99.430 3.500 97.905 97.827 97.749 97.671 4.250 98.961 98.899 98.836 98.774 4.375 100.085 100.023 99.960 99.898 3.625 98.485 98.407 98.329 98.251 4.375 99.529 99.467 99.404 99.342 4.500 100.613 100.550 100.488 100.425 3.750 99.053 98.991 98.928 98.866 4.500 100.056 99.994 99.931 99.869 4.625 101.073 101.010 100.948 100.885 3.875 99.357 99.295 99.232 99.170 4.625 100.526 100.464 100.401 100.339 4.750 101.432 101.346 101.260 101.174 4.000 99.391 99.328 99.266 99.203 4.750 101.063 100.977 100.891 100.805 4.875 102.078 101.992 101.906 101.820 4.125 99.523 99.460 99.398 99.335 4.875 101.604 101.518 101.432 101.347 4.990 102.535 102.449 102.363 102.277 4.250 100.287 100.217 100.147 100.076 4.990 102.141 102.055 101.969 101.883 5.000 102.695 102.609 102.523 102.437 4.375 100.930 100.859 100.789 100.719 5.000 102.301 102.215 102.129 102.043 5.125 102.782 102.696 102.610 102.524 4.500 101.051 100.981 100.911 100.840 5.125 102.683 102.597 102.511 102.425 5.250 103.325 103.254 103.184 103.114 4.625 101.586 101.516 101.445 101.375 5.250 102.952 102.882 102.812 102.741 5.375 103.572 103.502 103.431 103.361 5.375 103.219 103.149 103.079 103.009 5.500 103.951 103.881 103.811 103.740 5.500 103.609 103.538 103.468 103.398 5.625 104.354 104.284 104.213 104.143 5.625 103.921 103.851 103.781 103.710 5.750 104.734 104.687 104.640 104.593 5.750 104.356 104.309 104.262 104.216 GOVT 5/1 ARM GOVT 3/1 ARM FHA/VA 5/1 ARM FHA/VA 3/1 ARM RATE 15 DAY 30 DAY 45 DAY 60 DAY RATE 15 DAY 30 DAY 45 DAY 60 DAY 2.750 98.121 97.996 97.871 97.746 2.250 96.454 96.329 96.204 96.079 2.875 98.515 98.390 98.265 98.140 2.375 96.723 96.598 96.473 96.348 3.000 98.777 98.652 98.527 98.402 2.500 96.984 96.859 96.734 96.609 3.125 99.029 98.904 98.779 98.654 2.625 97.256 97.131 97.006 96.881 3.250 99.522 99.397 99.272 99.147 2.750 97.418 97.293 97.168 97.043 3.375 99.780 99.655 99.530 99.405 2.875 97.675 97.550 97.425 97.300 3.500 100.007 99.882 99.757 99.632 3.000 97.923 97.798 97.673 97.548 3.625 100.209 100.084 99.959 99.834 3.125 98.183 98.058 97.933 97.808 FHA 30 YEAR FIXED 203k FHA 30 YEAR FIXED HIGH BALANCE 203k RATE 15 DAY 30 DAY 45 DAY 60 DAY RATE 15 DAY 30 DAY 45 DAY 60 DAY 3.750 97.988 97.934 97.879 97.824 3.750 96.850 96.795 96.740 96.686 3.875 98.387 98.333 98.278 98.223 3.875 97.249 97.194 97.139 97.085 3.990 98.768 98.714 98.659 98.604 3.990 97.629 97.575 97.520 97.465 4.000 98.998 98.944 98.889 98.834 4.000 97.799 97.745 97.690 97.635 4.125 99.348 99.294 99.239 99.184 4.125 98.030 97.975 97.920 97.866 4.250 99.934 99.872 99.809 99.747 4.250 98.590 98.528 98.465 98.403 4.375 100.502 100.439 100.377 100.314 4.375 99.058 98.996 98.933 98.871 4.500 101.029 100.967 100.904 100.842 4.500 99.585 99.523 99.460 99.398 4.625 101.499 101.437 101.374 101.312 4.625 100.045 99.983 99.920 99.858 4.750 102.036 101.950 101.864 101.778 4.750 100.404 100.319 100.233 100.147 4.875 102.577 102.491 102.405 102.319 4.875 101.051 100.965 100.879 100.793 4.990 103.114 103.028 102.942 102.856 4.990 101.507 101.421 101.336 101.250 5.000 103.274 103.188 103.102 103.016 5.000 101.667 101.581 101.496 101.410 5.125 103.656 103.570 103.484 103.398 5.125 101.754 101.668 101.582 101.496 5.250 103.925 103.855 103.784 103.714 5.250 102.297 102.227 102.157 102.086 5.375 104.192 104.122 104.052 103.981 5.375 102.545 102.474 102.404 102.334 5.500 104.581 104.511 104.441 104.370 5.500 102.924 102.854 102.783 102.713 5.625 104.894 104.824 104.753 104.683 5.625 103.327 103.256 103.186 103.116 5.750 105.329 105.282 105.235 105.188 5.750 103.706 103.660 103.613 103.566 GOVERNMENT PRODUCTS LLPA's LOAN AMOUNT FICO SCORE VA LOAN TYPE OTHER ADJUSTMENTS ARM Notes $100,000 - $124,999 (0.375) >= 740 0.250 VA Loan (0.250) 2 Unit (0.500) Margin: 2.00% $60,000 - $99,999 (0.750) 720-739 0.150 VA IRRRL (95.01-110.00) (1.000) 3-4 Unit (1.000) Floor: 2.00% Long Term Rate Locks 660-679 (0.250) VA IRRRL (110.01-125% LTV) (2.250) Manual Underwrite 0.000 Caps: 1/1/5% (add to 60 day price) 640-659 (0.500) Notes Manufactured Housing (1.250) Index: T-Bill Rate Adj. Price Adj. 620-639 (1.250) FHA ID #: 27128-00009 ARM HB (0.500) MAX PRICE PAID AFTER ALL 75 Day Lock N/A (0.125) 600-619 (1.500) VA ID #: 5199980000 25 Year Term (Fixed Only) (0.250) ADJUSTMENTS IS 108.00 - Does not 90 Day Lock N/A (0.500) < 600 (1.875) All borrowers must be checked against CAIVRS 20 Year Term (Fixed Only) (0.500) apply to USDA Product 120 Day Lock N/A (1.000) Mandatory Commitment 0.125 *180 Day Lock 0.125% (1.000) *270 Day Lock 0.375% (1.000) *360 Day Lock 0.500% (1.000) *A 1.00% upfront fee is due w/in 5 days of lock. *Fixed Rates Only Rate sheets are intended for use by mortgage professionals only. 4 of 8

PHL JUMBO PRODUCTS PHL JUMBO 30 YEAR FIXED PHL JUMBO 15 YEAR FIXED PHL JUMBO 20 YEAR FIXED 4.375 96.971 96.768 96.565 96.348 3.875 95.717 95.535 95.353 95.158 4.375 96.971 96.768 96.565 96.348 4.500 97.784 97.581 97.378 97.161 4.000 96.405 96.222 96.040 95.846 4.500 97.784 97.581 97.378 97.161 4.625 98.596 98.393 98.190 97.973 4.125 97.092 96.910 96.728 96.533 4.625 98.596 98.393 98.190 97.973 4.750 99.346 99.143 98.940 98.723 4.250 97.748 97.566 97.384 97.189 4.750 99.346 99.143 98.940 98.723 4.875 100.096 99.893 99.690 99.473 4.375 98.405 98.222 98.040 97.846 4.875 100.096 99.893 99.690 99.473 5.000 100.721 100.518 100.315 100.098 4.500 99.061 98.879 98.696 98.502 5.000 100.721 100.518 100.315 100.098 5.125 101.346 101.143 100.940 100.723 4.625 99.717 99.535 99.353 99.158 5.125 101.346 101.143 100.940 100.723 5.250 101.909 101.706 101.503 101.286 4.750 100.373 100.191 100.009 99.814 5.250 101.909 101.706 101.503 101.286 5.375 102.284 102.081 101.878 101.661 4.875 100.967 100.785 100.603 100.408 5.375 102.284 102.081 101.878 101.661 5.500 102.409 102.206 102.003 101.786 5.000 101.561 101.379 101.196 101.002 5.500 102.409 102.206 102.003 101.786 PHL JUMBO 5/1 ARM PHL JUMBO 7/1 ARM PHL JUMBO 10/1 ARM 3.750 97.934 97.757 97.580 97.391 3.875 97.155 96.972 96.790 96.596 4.125 97.434 97.241 97.049 96.843 3.875 98.465 98.288 98.111 97.922 4.000 97.842 97.660 97.478 97.283 4.250 98.122 97.929 97.736 97.531 4.000 98.997 98.820 98.643 98.454 4.125 98.530 98.347 98.165 97.971 4.375 98.778 98.585 98.393 98.187 4.125 99.528 99.351 99.174 98.985 4.250 99.155 98.972 98.790 98.596 4.500 99.434 99.241 99.049 98.843 4.250 100.059 99.882 99.705 99.516 4.375 99.780 99.597 99.415 99.221 4.625 100.090 99.898 99.705 99.499 4.375 100.590 100.413 100.236 100.047 4.500 100.389 100.207 100.024 99.830 4.750 100.715 100.523 100.330 100.124 4.500 100.965 100.788 100.611 100.422 4.625 100.951 100.769 100.587 100.392 4.875 101.247 101.054 100.861 100.656 4.625 101.340 101.163 100.986 100.797 4.750 101.420 101.238 101.056 100.861 5.000 101.778 101.585 101.393 101.187 4.750 101.715 101.538 101.361 101.172 4.875 101.889 101.707 101.524 101.330 5.125 102.309 102.116 101.924 101.718 4.875 102.090 101.913 101.736 101.547 5.000 102.358 102.175 101.993 101.799 5.250 102.684 102.491 102.299 102.093 PHL JUMBO LLPA'S LTV/CLTV/HLTV/FICO Price Adjustments Other Adjustments <=1.0MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 State <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 800+ 0.500 0.375 0.250 0.000 (0.250) N/A FL 0.000 0.000 0.000 (0.125) (0.250) N/A 760-799 0.500 0.375 0.000 0.000 (0.375) N/A NV 0.000 0.000 0.000 (0.125) (0.250) N/A 740-759 0.375 0.250 (0.125) (0.250) (0.500) N/A AZ 0.000 0.000 0.000 (0.125) (0.250) N/A 720-739 0.250 0.125 (0.250) (0.500) (0.625) N/A CA (0.375) (0.375) (0.375) (0.500) (0.500) N/A 700-719 (0.750) (0.875) (1.125) (1.250) N/A N/A TX 0.000 0.000 0.000 0.000 0.000 N/A 680-699 N/A N/A N/A N/A N/A N/A Non-CA 0.000 0.000 0.000 0.000 0.000 N/A <=1.5MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 Property Type <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 800+ 0.500 0.250 0.125 0.000 (0.375) N/A 2 Units (0.500) (0.500) (0.500) (0.750) (1.125) NA 760-799 0.500 0.250 (0.125) 0.000 (0.500) N/A Condo (0.250) (0.250) (0.250) (0.375) N/A NA 740-759 0.375 0.250 (0.125) (0.250) (0.750) N/A 2nd Home (700+) <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 720-739 0.250 0.125 (0.250) (0.625) (0.875) N/A 1 Unit (0.125) (0.250) (0.500) (1.000) N/A N/A 700-719 N/A N/A N/A N/A N/A N/A Purpose <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 680-699 N/A N/A N/A N/A N/A N/A Purchase 0.375 0.375 0.375 0.375 0.375 NA <=2.0MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 Cashout (0.375) (0.375) (0.625) N/A N/A N/A 800+ 0.375 0.250 0.000 (0.375) (0.500) N/A Miscellaneous <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 760-799 0.375 0.250 (0.125) (0.375) (0.625) N/A Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) N/A 740-759 0.250 0.125 (0.125) (0.500) (0.875) N/A DTI <=43 0.000 0.000 0.000 0.000 0.000 N/A 720-739 0.125 0.000 (0.250) (0.750) (1.250) N/A DTI > 43 N/A N/A N/A N/A N/A N/A 700-719 N/A N/A N/A N/A N/A N/A IO N/A N/A N/A N/A N/A N/A 680-699 N/A N/A N/A N/A N/A N/A Investor (1.250) N/A N/A N/A N/A N/A <=2.5MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 800+ 0.125 (0.125) N/A N/A N/A N/A Price Caps Loan Type Caps Margin 760-799 0.125 (0.125) N/A N/A N/A N/A Fixed 102.000 5/1 ARM 2/2/5 225 740-759 N/A N/A N/A N/A N/A N/A ARMs 101.000 7/1 ARM 5/2/5 225 720-739 N/A N/A N/A N/A N/A N/A 10/1 ARM 5/2/5 225 700-719 N/A N/A N/A N/A N/A N/A 680-699 N/A N/A N/A N/A N/A N/A Jumbo Rate Extension & Relock Fees Jumbo Rate Extension & Relock Policy 5 Day Extension 10 Day Extension 15 Day Extension 20 Day Extension (0.075) (0.150) (0.225) (0.300) Relocks subject to worst case pricing Maximum 2 Extensions Maximum combined extension total of 30 days 30 Day Extension Relock Fee (0.450) (0.250) Rate sheets are intended for use by mortgage professionals only. 5 of 8

PHL NON-QM PRODUCTS PHL NON-QM 30 YEAR FIXED PHL NON-QM 5/1 ARM PHL NON-QM 7/1 ARM RATE 15 Day 30 DAY 45 DAY 60 DAY RATE 15 Day 30 DAY 45 DAY 60 DAY RATE 15 Day 30 DAY 45 DAY 60 DAY 5.250 98.360 98.210 98.060 N/A 5.000 98.860 98.710 98.560 N/A 5.000 98.480 98.330 98.180 N/A 5.375 98.670 98.520 98.370 N/A 5.125 99.170 99.020 98.870 N/A 5.125 98.790 98.640 98.490 N/A 5.500 98.980 98.830 98.680 N/A 5.250 99.480 99.330 99.180 N/A 5.250 99.100 98.950 98.800 N/A 5.625 99.300 99.150 99.000 N/A 5.375 99.800 99.650 99.500 N/A 5.375 99.420 99.270 99.120 N/A 5.750 99.610 99.460 99.310 N/A 5.500 100.110 99.960 99.810 N/A 5.500 99.730 99.580 99.430 N/A 5.875 99.920 99.770 99.620 N/A 5.625 100.420 100.270 100.120 N/A 5.625 100.040 99.890 99.740 N/A 6.000 100.230 100.080 99.930 N/A 5.750 100.730 100.580 100.430 N/A 5.750 100.350 100.200 100.050 N/A 6.125 100.550 100.400 100.250 N/A 5.875 101.050 100.900 100.750 N/A 5.875 100.670 100.520 100.370 N/A 6.250 100.800 100.650 100.500 N/A 6.000 101.360 101.210 101.060 N/A 6.000 100.980 100.830 100.680 N/A 6.375 101.050 100.900 100.750 N/A 6.125 101.670 101.520 101.370 N/A 6.125 101.290 101.140 100.990 N/A 6.500 101.300 101.150 101.000 N/A 6.250 101.920 101.770 101.620 N/A 6.250 101.540 101.390 101.240 N/A 6.625 101.550 101.400 101.250 N/A 6.375 102.170 102.020 101.870 N/A 6.375 101.790 101.640 101.490 N/A 6.750 101.800 101.650 101.500 N/A 6.500 102.420 102.270 102.120 N/A 6.500 102.040 101.890 101.740 N/A 6.875 102.050 101.900 101.750 N/A 6.625 102.670 102.520 102.370 N/A 6.625 102.290 102.140 101.990 N/A 7.000 102.300 102.150 102.000 N/A 6.750 102.920 102.770 102.620 N/A 6.750 102.540 102.390 102.240 N/A 7.125 102.550 102.400 102.250 N/A 6.875 103.170 103.020 102.870 N/A 6.875 102.790 102.640 102.490 N/A 7.250 102.800 102.650 102.500 N/A 7.000 103.420 103.270 103.120 N/A 7.000 103.040 102.890 102.740 N/A 7.375 103.050 102.900 102.750 N/A 7.125 103.670 103.520 103.370 N/A 7.125 103.290 103.140 102.990 N/A 7.500 103.300 103.150 103.000 N/A 7.250 103.920 103.770 103.620 N/A 7.250 103.540 103.390 103.240 N/A 7.625 103.550 103.400 103.250 N/A 7.375 104.170 104.020 103.870 N/A 7.375 103.790 103.640 103.490 N/A 7.750 103.800 103.650 103.500 N/A 7.500 104.420 104.270 104.120 N/A 7.500 104.040 103.890 103.740 N/A 7.875 104.050 103.900 103.750 N/A 7.625 104.670 104.520 104.370 N/A 7.625 104.290 104.140 103.990 N/A 8.000 104.300 104.150 104.000 N/A 7.750 104.920 104.770 104.620 N/A 7.750 104.540 104.390 104.240 N/A 8.125 104.550 104.400 104.250 N/A 7.875 105.170 105.020 104.870 N/A 7.875 104.790 104.640 104.490 N/A 8.250 104.800 104.650 104.500 N/A 8.000 105.420 105.270 105.120 N/A 8.000 105.040 104.890 104.740 N/A 8.375 105.050 104.900 104.750 N/A 8.125 105.670 105.520 105.370 N/A 8.125 105.290 105.140 104.990 N/A 8.500 105.300 105.150 105.000 N/A 8.250 105.920 105.770 105.620 N/A 8.250 105.540 105.390 105.240 N/A 8.625 105.550 105.400 105.250 N/A 8.375 106.170 106.020 105.870 N/A 8.375 105.790 105.640 105.490 N/A 8.750 105.800 105.650 105.500 N/A 8.500 106.420 106.270 106.120 N/A 8.500 106.040 105.890 105.740 N/A 8.875 106.050 105.900 105.750 N/A 8.625 106.670 106.520 106.370 N/A 8.625 106.290 106.140 105.990 N/A 9.000 106.300 106.150 106.000 N/A 8.750 106.920 106.770 106.620 N/A 8.750 106.540 106.390 106.240 N/A 9.125 106.550 106.400 106.250 N/A 8.875 107.170 107.020 106.870 N/A 8.875 106.790 106.640 106.490 N/A 9.250 106.800 106.650 106.500 N/A 9.000 107.420 107.270 107.120 N/A 9.000 107.040 106.890 106.740 N/A 9.375 107.050 106.900 106.750 N/A 9.125 107.670 107.520 107.370 N/A 9.125 107.290 107.140 106.990 N/A 9.500 107.300 107.150 107.000 N/A 9.250 107.920 107.770 107.620 N/A 9.250 107.540 107.390 107.240 N/A 9.625 107.550 107.400 107.250 N/A 9.375 108.170 108.020 107.870 N/A 9.375 107.790 107.640 107.490 N/A 9.750 107.800 107.650 107.500 N/A 9.500 108.420 108.270 108.120 N/A 9.500 108.040 107.890 107.740 N/A 9.625 108.670 108.520 108.370 N/A 9.625 108.290 108.140 107.990 N/A 9.750 108.920 108.770 108.620 N/A 9.750 108.540 108.390 108.240 N/A Program Notes Min Loan Amt Max Loan Amt Max Price after LLPA's - FIXED Max Price after LLPA's - ARM ARM Characteristics 100k Index Caps Margin 3.0mm 5/1 ARM 1Y LIBOR 2/2/5 4.000 104.250 7/1 ARM 1Y LIBOR 5/2/5 4.000 103.250 Fees - Non-QM Policy - Non-QM 5 Day Extension 10 Day Extension -0.075-0.150 Relocks subject to worst case pricing 15 Day Extension -0.225 Maximum 2 Extensions 20 Day Extension -0.300 Maximum combined extension total of 30 days 30 Day Extension Relock Fee -0.450-0.250 Rate sheets are intended for use by mortgage professionals only. 6 of 8

PHL NON-QM PRODUCTS LLPA's No Credit Event/ Seasoned Event* (3+ Yrs since event, 2+ yrs for BK) 0x60 Mtg DQ EA Core Recent Credit Event (< 3 Yrs event, < 2 Yrs BK) 0x90 Mrtg DQ LLPAs for LTV/CLTV < 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 720+ 1.625 1.625 1.500 0.875 0.375 (0.500) (1.625) 700-719 1.375 1.375 1.125 0.750 0.250 (0.875) (2.125) 680-699 1.375 1.250 0.625 0.250 (0.250) (1.750) (3.125) 660-679 0.875 0.875 0.500 0.000 (0.875) (2.000) 0.000 640-659 0.375 0.000 (0.250) (1.125) (2.125) (2.500) 0.000 620-639 0.125 (0.125) (0.750) (1.875) (2.875) 0.000 0.000 600-619 (1.625) (1.875) (2.500) (3.125) (4.000) 0.000 0.000 580-599 (2.625) (2.875) (3.500) (4.125) (5.000) 0.000 0.000 720+ 0.000 0.000 0.000 (0.750) (1.375) (1.625) 0.000 700-719 (0.250) (0.250) (0.250) (0.875) (1.500) (1.750) 0.000 680-699 (0.500) (0.500) (0.875) (1.500) (2.000) (2.250) 0.000 660-679 (1.000) (1.000) (1.250) (2.250) (2.750) 0.000 0.000 640-659 (1.000) (1.250) (1.375) (2.500) (3.750) 0.000 0.000 620-639 (2.000) (2.125) (2.250) (3.875) (4.500) 0.000 0.000 600-619 (3.875) (4.000) (4.375) (5.250) (6.500) 0.000 0.000 580-599 (4.875) (5.000) (5.375) (6.250) (7.500) 0.000 0.000 DTI > 43% 680+ FICO DTI > 43% <680 FICO DTI > 50% UPB <= 250K UPB > 1.5mm Cash Out / Debt Consolidation Investor Second Home Condo Non-Warrantable Condo 2-4 Unit Property Foreign National** 24 Month Bank Statement 12 Month Bank Statement*** Express Doc - 1yr Tax Return^ LLPAs for LTV/CLTV < 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 0.000 0.000 0.000 0.000 0.000 (0.250) (0.250) (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) 0.000 0.000 0.000 0.000 0.000 (0.250) (0.250) (0.250) (0.500) (0.500) 0.000 0.000 (0.500) (0.500) (0.750) 0.000 0.000 (0.250) (0.375) (0.500) (0.500) (1.000) (1.250) 0.000 0.500 0.500 0.000 (0.750) (1.250) 0.000 0.000 (0.500) (0.750) (1.000) (1.000) (1.000) 0.000 0.000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) 0.000 (0.750) (1.000) (1.500) (1.750) (2.000) 0.000 0.000 (0.125) (0.125) (0.125) (0.250) (0.250) (0.250) (0.250) (0.875) (1.375) (1.500) (1.750) (2.000) 0.000 0.000 0.000 (0.500) (0.750) (1.000) (1.000) (1.000) (1.000) 0.000 0.000 (0.250) (0.500) (0.500) (1.000) (1.250) 0.000 (0.500) (0.750) (1.000) (1.000) (1.000) (1.000) ^Express Documention : 1 Yr Tax Return *2+ Yrs Since BK, 3+ Yrs Since Short Sale, Deed-in-Lieu, Foreclosure, Modification **Treat as 660 FICO ***12 Month Bank Statements additive to 24 Month Bank Statement Adjusments Rate sheets are intended for use by mortgage professionals only. 7 of 8

Adjustment REGION 1: AK,AR, AZ, CA, CT, CO, DC, FL, GA, HI, IA, IL, IN, KY, LA, MA, MD, MI, MO, NE, NH, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, NY 0.000 REGION 2: AL, DE, KS, ME, MN, MS, MT, NC, NM, VT, WV -0.125 REGION 3: ID, ND, PR*, RI, SD, WY -0.250 REGION 4: N/A *PR lending only available on a case by case basis contact your RSM for details. FEES Prior Approval: $495 <= 7 days Delegated: $295 8-15 Days FHA Streamline $295 16-30 Days FHA 203k Supplemental Origination Fee Collected at Purchase MERS Organization ID 1006543 Planet Home Lending Custodian STATE ADJUSTMENTS (All Products) Conventional & Government Lock Extensions Wells Fargo Bank N.A. Planet Home Lending, LLC Attn: PLNT Review Team 10025 Governor Warfield Parkway, Suite 301 751 Kasota Avenue, Suite MDC Columbia, MD 21044-3330 Mail Code MAC N9328-010 Attn: Correspondent Trailing Documents Minneapolis, MN 55414 Rates, fees, and programs are subject to change without notice. Information is intended for Mortgage Professionals only, and not for distribution to consumers, as defined by Section 226.2 of Reg Z which implements the Truth In Lending Act. All pricing and lock requests subject to confirmation and does not commit Planet Home Lending to purchase any loan. Planet Home Lending, LLC NMLS #17022-0.125-0.250-0.500 Note Endorsement or Allonge Pay to the order of Planet Home Lending, LLC Without Recourse (Seller) (Signature of Officer) (Officer's Name and Title) Delivery of Final / Trailing Docs Rate sheets are intended for use by mortgage professionals only. 8 of 8